Village Bank Test Water "cloud computing" SaaS model Full Trust or future direction

On the scale, the village bank is inferior to the city firm; on the history, the village bank is inferior to the rural credit cooperatives, but catching up with the good time of rural financial reform, since 2006, the CBRC adjusted and relaxed the policy of market access for the banking institutions in rural areas, more than 100 village and village banks The new type of rural financial institutions, such as microfinance companies, have been established and operated successively.





2007, most of the village banks were sponsored by state-owned commercial banks, joint-stock commercial banks and foreign banks or as controlling parties, among which the majority of Non-bank capital was local state-owned capital, and private capital was relatively less likely to intervene. May 13 This year, the State Council "on encouraging and guiding the healthy development of private investment," the official release of private capital into village and township banks will be expected to loose the policy threshold. This means that the development of village and township banks will usher in a small peak again.





in banking, IT systems have become production systems that support business operations. For village and township banks, IT systems are indispensable, but with the economic strength of the state-owned four major banks, as well as city firms, agricultural firms, the lack of money less people's village and township banks to reduce costs, urging their own growth, must be a new way to break the pattern of construction, to obtain it application





"Little Sparrow" growth pains





"spadger, organs and taste. Jinzhong Business Bank card manager Zhu Chunhi explained to reporters, "Village Bank is not a microfinance company, not a pawn shop." It is a ' full licence ' of the bank, after approval, it can do international business, can also do online banking. ”





according to Zhu Chun Xi's understanding, village Bank is a strict sense of the bank, with full licence, the right to carry out business expansion. However, in the domestic, the actual situation is not the case, the village and township banks generally set up in the financial settlement channel is not smooth urban-rural integration zone, but only to the City Commercial Bank business supplement, and traditional deposits, loans as the core business.





Jinzhong Commercial Bank, as a holding party, shares four village and township banks, distributing in Luliang and Jinzhong. According to Zhu Chunhi, according to the different regions, the investment funds from nearly tens of millions of dollars to 100 million yuan.





Shenzhou Digital Credit Software Co., Ltd. SaaS division general manager Chuo Hongde said, "In the ' volume ', according to the" Temporary regulation of village and Township Bank Management ", in counties and cities, the establishment of village and township Banks, their registered capital shall not be less than 3 million yuan, the village and township banks set up in villages and towns, the registered capital shall not be less than 1 million yuan. The reality is that most of the village bank's registered gold in 20 million yuan to a billion. ”





according to the traditional structure of the bank IT system, self-sufficiency, self-built is the core. "Build room, buy equipment, shop software, system on-line and training personnel, in the big house piled many machines, there are many operators, such input is very large." Chuo Hongde said the small Sparrow's Village bank will be overwhelmed, a village bank with only more than 10 employees, the fatal problem is the shortage of technicians, it is difficult to have enough staff to maintain.





as a result, investment has become one of the growing pains of village and township banks, and in order to avoid large-scale investments, some village and township banks have adopted simplified forms of investment, but over time they will find that the simplification of such investments can cause significant losses to the business.





In addition, since village and township banks are mostly initiated by firms and farmers ' firms, and the village bank itself is a separate legal person, in the entire background of the management of data, including the subsequent statements and business walking is different two lines, the launch of the bank does not want its own village and township banks and their own sharing a system.





this is because, for village banks, the biggest cost is time. "Village and township banks will have to open their licences for a certain period of time, and if they cannot, the establishment of a core system is a key factor in the timing of their opening." It is unrealistic to let village and township banks build their own systems. "Zhu Chunhi said.





so the village bank and the launch of the common clearing Channel, the application of the same set of IT systems become the core system of village and township banks to build a common way. And it involves the interests of all parties, making this set of ways in the late operation of more and more friction.





the Third Way





"The full trusteeship of the SaaS model is the best way for the village bank's it construction." "Chuo Hongde in the Cloud Computing Applications Summit Forum to interview the reporter Blunt way.





According to the spirit of the letter, they have set up a data center in XI ' an development base, and built all systems. Each village bank can use this system by remote login, now has reached a village and township bank to open a dedicated line, the bank only need to deploy a teller terminal, you can get the necessary IT system support and operation maintenance services, thus quickly realize the listing business.





"cloud Platform software, hardware and taste, here are the basic equipment required for the opening of the bank." We built a very large framework, provided a lot of services, there are integrated membership, channels, bank cards, ATM, channel management and so on. Moreover, this service is a full cycle service, not only to build up, open on it, but also including training, day-to-day maintenance, upgrades. Chuo Hongde told Computer World reporter.




The
cloud computing platform provides a self-built IT system for village and township banks, relying on the third route outside the IT system.





this breaks through the traditional IT outsourcing of banking. Large or medium-sized banks are relatively closed systems, and full business outsourcing is difficult to liberalize; The city firm and the city firm and the joint-stock bank in the local competition is very intense, its outsourcing is based on BPO (Business Process outsourcing services) as the main body, such as credit cards, especially the city firm's credit card is often not built, because the investment is too large, and the number of cards not more than 500,000 or 1 million, banks can not be profitable, So banks will opt to outsource.





Jinzhong Commercial Bank is the same, the bank card business outsourcing to the God Code Fusion letter. "The whole deployment of the bank card system is in the data processing center of the Xi ' An, the data center can provide the transaction, management, statement reconciliation and other services of the card business." "The mode of outsourcing the bank card system makes the bank not consider the issue of tripartite payment," Zhu Chunhi said. This is the safest model for a city firm, so that banks need to focus on how to upgrade their service and service offerings, which will be a trend for small and medium-sized regional commercial banks in the future.





so the "fully hosted" cloud computing approach will be the future choice of village and township banks? In fact, banks have begun to try. A village bank in Henan places the entire business system on the cloud computing platform of Xi ' an, according to the bank governor, the bank's establishment invested nearly 20 million yuan, after a preliminary study, they decided to become a "crab eating" people, choose the third Way, can save time and money, can also avoid disputes between the rows. In this way, the bank with a "lean" body appearance, focus on the deposit, loans and other main business.





"Fully managed" cloud computing is a good way to account for costs. But in the future, when business becomes more complex or financial services products become more and more, there will be a greater challenge to the data processing capabilities and risk control of cloud computing platforms. Zhu Chunhi that the application of this pattern should be based on the stage.